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Our most popular lease-to-own electronics are customer favorites, now offered with affordable Buy Now Pay Later plans.
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Glorious - Model D Lightweight Wireless Optical Gaming Mouse with Customizable RGB - Wireless - Matte White
GloriousLightning fastBuilt with 2.4GHz wireless connectivity the Model D Wireless has the lowest wireless latency of any mouse in its class. Get blazing-f...
View full detailsPolaroid - Go Gen 3 Bundle - White
PolaroidCompactSmallest instant camera in the worldRecycled materialsClassic look made of 30 recycled materialsImproved PicturesImproved picture qualitySel...
View full detailsToshiba - 43" Class M450 QLED Series 4K UHD Smart Fire TV
ToshibaREGZA QLED ColorExperience rich lifelike color with QLED technology that brings every scene to life. From subtle tones to bold highlights enjoy stu...
View full detailsDell - 15.6" 2K Touchscreen Laptop - AMD Ryzen 7 7000 Series-7730U 2023 - 16GB Memory - 512GB Storage - Carbon Black
DellEffortlessly chicAlways efficient. Finish your to-do list in no time with AMD Ryzen processors built for everyday computing.Stay connected to what ...
View full detailsMicrosoft - Surface Laptop - 15" 3K Touchscreen - Snapdragon X2 Elite (12 Core) 2026 - 16GB - 1TB Storage - Platinum
MicrosoftBrilliant DisplayFeaturing 600 nits and 262 ppi clarity this is the brightest display ever on a Surface Laptop. The expansive 15 [1] PixelSense tou...
View full detailsMSI - Stealth 16 AI+ 16" 2.5K 240Hz OLED Gaming Laptop Intel Core U9-386H - NVIDIA GeForce RTX 5060 - 32GB Memory -1TB Storage - Charcoal Black
MSIWindows 11 HomeWindows 11 puts you at the center making life easier more creative secure connected and fun. With faster performance and new product...
View full detailsKeychron - K5 Ultra 8k 100 Custom POM Switch Mechanical Gaming Keyboard with Programmable ZMK Launcher Software - Black
KeychronUltra-Fast 8K Polling RateWith an 8000 Hz polling rate latency matches the 0.125 ms polling interval - that’s 1000x faster than human reaction time...
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HP - OmniBook 3 - 14" 2K OLED Laptop - Snapdragon X (8-core) - 8GB Memory - 256GB SSD - Starlit Blue
HP - OmniBook 3 - 14" 2K OLED Laptop - Snapdragon X (8-core) - 8GB Memory - 256GB SSD - Starlit Blue
HPSnapdragon X X1-26-100 processor with Qualcomm Hexagon NPU (45 NPU TOPS)For students constantly doing the most Snapdragon X delivers responsive per...
View full detailsBLU - G45 128GB (Unlocked) - Blue
BluCarrier compatibilityT-Mobile Metro by T-Mobile Cricket Mint MobileDisplay6.7" HD+ 120Hz Infinity Dot Display; 720 x 1600 Resolution 262ppiMemory1...
View full detailsMicrosoft - Surface Laptop - 15" 3K Touchscreen - Snapdragon X2 Elite (12 Core) 2026 - 16GB - 512GB Storage - Black
MicrosoftBrilliant DisplayFeaturing 600 nits and 262 ppi clarity this is the brightest display ever on a Surface Laptop. The expansive 15 [1] PixelSense tou...
View full detailsHP - OmniBook 3 - 14" 2K OLED Laptop - Snapdragon X - 8GB Memory - 256GB SSD - Nouvelle Silver
HPSnapdragon X X1-26-100 processor with Qualcomm Hexagon NPU (45 NPU TOPS)For students constantly doing the most Snapdragon X delivers responsive per...
View full detailsPolaroid - Go Gen 3 Bundle - Graphite
PolaroidCompactSmallest instant camera in the worldRecycled materialsClassic look made of 30 recycled materialsImproved PicturesImproved picture qualitySel...
View full detailsLG - gram Max 17" 2.5K Touch-Screen Laptop - Intel Core Ultra 7 Processor 355 - 16GB RAM - 512GB SSD - Copilot + PC - Bronze
LGPortable by Design. Intelligent by Performance.LG gram Max pairs an ultra-slim compact design with intelligent performance—so productivity feels ef...
View full detailsLenovo - Yoga 7a 2-in-1 - Copilot+ PC - 16" 2K OLED Touchscreen Laptop - AMD Ryzen AI 9 465 2026 - 32G Memory - 1TB SSD - Seashell
LenovoCopilot+ PCs. A new AI era begins.New AI superpowers. Discover the power of Recall (preview) improved Windows search and Click to Do (preview) on C...
View full detailsAcer - Predator Orion Gaming Desktop - Intel Core Ultra 7 265KF 2024 - GeForce RTX 5070 Ti - 32GB DDR5 Memory 1TB Storage - Black
AcerWindows 11 HomeWindows 11 was designed with you at the center - to make life easier more creative secure connected and fun It's also faster with ne...
View full detailsSony - BRAVIA Theater Sub 7 Wireless Subwoofer - Black
SonyDeep bassSeparated Notch Edge improves diaphragm movement for deeper clearer and more controlled low frequencies.Room-filling bass. Dual subwoofer ...
View full detailsLG - 75" Class 74B Series QNED AI Mini LED 4K Smart webOS TV (2026)
LGDynamic QNED ColorLG's Dynamic QNED Color and next-gen AI provide vivid color on your screen for a immersive visual experience.Mini LED TechnologyS...
View full detailsAsmodee - Star Wars Unlimited Trading Card Game - Intro Battle Hoth
AsmodeeSelf-Contained IntroductionIntro Battle Hoth offers a ready-to-play beginner-friendly experience designed to introduce players to Star Wars Unlimit...
View full detailsLenovo - IdeaPad Slim 3i 15.6" Full HD Laptop - Intel Processor N150 2024- 8GB Memory - 128GB UFS - Arctic Grey
LenovoWindows 11 Home operating systemWindows 11 Home OS smartly manages your hardware and runs routine applications efficiently.Copilot in Windows 11 - ...
View full detailsLEGO - Minecraft Evoker Village Attack 21596
LegoBuild A Minecraft VillageThe LEGO Minecraft Evoker Village Attack (21596) building toy for boys and girls ages 9 years old and up has everything ki...
View full detailsHisense - 100" Class U7 Series MiniLED QLED UHD 4K Smart Google TV (2026)
HISENSEHi-QLED MiniLED ProThousands of MiniLED backlights deliver pinpoint control for vibrant lifelike pictures. Whether you're hosting a watch party in ...
View full detailsSamsung - 65" Class S85H OLED 4K UHD SmartVision AI Smart Tizen TV (2026)
SamsungOLED HDRElevate your entertainment with more clarity in every pixel and see every moment come to life in your favorite shows and movies. Reveal hid...
View full detailsSamsung - 55" Class S90H OLED 4K UHD SmartVision AI Smart Tizen TV (2026)
SamsungOLED HDR+ with Glare FreeExperience incredible brightness and deep contrast for a lifelike picture. Powered by advanced AI every detail is enhanced...
View full detailsLG - 75" Class 95B Series Mico RGB evo AI LED 4K Smart webOS TV (2026)
LG ElectronicsMicro RGB TechnologyExperience colors like never before with LG's most advanced LED TV with Micro RGB Backlight Technology. With dedicated micro re...
View full detailsWhat is Terrace Finance?
Terrace Finance is the payment method for Finance My Cart. Terrace Finance provides an application portal to a network of payment solution providers curated to service a wide range of credit profiles and products. The types of payment solutions available include loans and lease to own/rent to own solutions. Apply through any apply link on our site and the Terrace Finance platform will work to match you with a compatible payment solution provider and return an offer to you. Our agents will then initiate a contract based on the items in your cart and facilitate the finalization with the payment solution provider as well as the supplier for your items.
Why should I consider lease-to-own?
Get what you need now without a credit card. Leasing to own out-of-pocket expenses gives you another way to pay for the services you want or need without delay. Plus, it gives you the opportunity to spread payments out over time so the payments can work within your budget. This allows you to keep existing savings, credit card, or emergency funds as a buffer for unexpected expenses or other day-to-day needs.
Do I have to have good credit to shop at Finance My Cart?
No! Since we use Terrace Finance as our payment method, customers of all credit profiles have access to programs they may qualify for. While it is easy to find ways to pay when you have good credit, we pride ourselves on having options for folks who fall just outside the top tier as well as those who have low or no credit. Let’s just call it “less than perfect credit”, shall we?
Can I pay off early to save money?
Yes! While early payoff and same as cash periods vary by provider in the Terrace Finance network, they do each have options to allow you to affordably purchase your item before the agreement term is complete. You will be presented with the available options for consideration before signing.